Establishes an online insurance verification system for motor vehicle insurance

This bill establishes a state-run online system requiring auto insurers to electronically report policy details (like issuance, cancellation, and vehicle identification) to the Department of Motor Vehicles. It directly affects insurers writing private passenger or commercial auto insurance in New York, who must submit data including policy numbers, vehicle IDs, and addresses to help identify uninsured vehicles. Key provisions mandate insurers to report policy changes within 14 days (for new policies) or 30 days (for cancellations), with the state using this data to verify insurance status during traffic stops or registrations. The system aims to streamline enforcement of insurance requirements without changing existing coverage standards.